Posts by dkelley

Out with the old and in with the new…year?

Out with the old and in with the new…year? The year of 2018 is sprinting to the finish line. The snow is starting to fall and the fireplace is crackling as we hustle through December. Days like today are the best time to reflect on the year in review. Your reflection can help you establish your “why.” Why do you get out of bed in the morning? Why do you go to work each day? Why do you choose to raise children? Your why is your purpose. To review the year passed is to review your purpose: -Who are you most grateful for? -What are you most grateful for? -Did you make a meaningful impact in the...

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The ABCs of ESG

The ABCs of ESG What is ESG? ESG (Environmental, Social, and Governance) is an investment discipline focused on non-financial factors that investors have determined as being critical for a firm’s long-term performance.  These factors focus on a variety of issues ranging from climate change, gender equality in the workplace, and board independence.  Companies have begun to voluntarily report on their ESG issues with many investment institutions urging the SEC to make it mandatory. Why ESG? The first attempt for sustainable investing began in the 1980s with the use of exclusionary screens...

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Global Asset Allocation Views – Q4 2018

Global Asset Allocation Views – Q4 2018

Bulls and bears can both point to different sets of data to make their case on the markets.  Bulls can point to continued strength in the Leading-Coincident Indicator which shows no sign of a recession and a flattening, but not yet inverted, yield curve which has historically been the best time to be invested.  We also just had the strongest GDP number (4.2%) since Q3 2014!  Bears can look at high debt levels continuing to pile up in our Federal government as well as in corporate debt, where the next potential bubble may be hiding.  The good news on the debt level is that households, the...

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You are the parent? So What?

You are the parent? So What? The applications are in, standardized tests are complete and a college decision has been made.  Time is racing as college acceptance notices soon lead to freshman move in day. Now all there is to do is buy dorm supplies and drop the kids off, right?  Wait! Maybe not.  A recent consultation with an attorney’s office opened our teams’ eyes to something that you may not have thought of before. As a parent you spend years caring for the needs, wants, and wishes of your children and in a blink they are off to college on their own. Now may be the time to parent from a...

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My Team, Our Team, Your Team

My Team, Our Team, Your Team  It has been a whirlwind since I joined the HFS Wealth Advisors Team back in January.  I am looking out my office window and I cannot believe it is July.  Where did the time go? For you regular readers of HFS Headlines you are used to seeing valuable tips on topics like managing risk, tax changes, retirement, college planning, etc.  Down the road, you will likely see the same type of posts from me as well.  Now, however, I thought I would take a slightly different approach to my first post. Coming to the HFS team after 20 years in retail banking has been a big...

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